Funding Ideas/Need private lending/Ideas?

[Leonard Rybak]

Hi everyone! I currently have 1 single family LTR (in Maryland) under my belt under a DSCR loan due to my high debt/income ratio. I am looking to acquire 2nd property but at the moment can only qualify for a DSCR loan. I am saving up for another down payment but this is taking forever due to my high expenses at home. The lenders I found for now want atleast 25% down and 12-36 months of reserves. (Houses I am looking at cost up to $200k) I have considered Subject to but it is hard to do when I invest only out of state at the moment. My home market, (NYC) is unaffordable to invest in for me at the time. Any suggestions out there on ways to create more funding, when friends,family do not want to contribute, and home living expenses are slowing you down. (My wife is not onboard with any of this, and would be easier if she was.) So I am a bit out of ideas.